Owner Operators Truck Insurance Near Me Burlington, North Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Burlington, North Carolina. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Burlington, North Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Burlington, North Carolina in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Burlington is a city in Alamance and Guilford counties in the U.S. state of North Carolina. It is the principal city of the Burlington, NC Metropolitan Statistical Area, which encompasses all of Alamance County, in which most of the city is located, and is a part of the Greensboro-Winston-Salem-High Point, NC Combined Statistical Area. The population was 57,303 at the 2020 census, which makes Burlington the 18th most populous city in North Carolina.
Alamance County was created when Orange County was partitioned in 1849. Early settlers included several groups of Quakers, many of which remain active in the Snow Camp area, German farmers, and Scots-Irish immigrants.
The need of the North Carolina Railroad in the 1850s to locate land where they could build, repair and do maintenance on its track was the genesis of Burlington, North Carolina. The company selected a piece of land slightly west of present-day Graham. On January 29, 1856, the last spikes were driven into the final tie of the North Carolina Railroad project, uniting the cities of Goldsboro and Charlotte by rail. The next day, the first locomotive passed along the new route. When the iron horse arrived in Alamance County, locals referred to it as “the eighth wonder of the world”.
Not long after this historic opening, the railroad realized a pressing need for repair shops. With Alamance County’s position along the new line, it became the logical choice for the shops’ location. After several debates concerning where the shops would be located, Gen. Benjamin Trollinger, a progressive Alamance County manufacturer, made an offer that settled the matter. Gen. Trollinger owned land just northwest of Graham, and he convinced several other prominent citizens owning adjacent lots to join him and sell their property to the railroad. 57 buildings were constructed between 1855 and 1859, including structures for engine and machine shops, carpentry, blacksmithing, houses for workers and railway officials, and company headquarters. For a brief period, railroad directors changed the name of official name of “Company Shops” to “Vance” (1863–1864), but the town returned to the “Company Shops” moniker in July 1864, and officially incorporating as Company Shops in 1866. Thirty-nine white men and two free African-Americans were employed in or around the shops, with twenty enslaved individuals constrained to assist. Sale of town lots soon started, but not surprisingly, the sale of lots was slow until after the Civil War. By 1864, Company Shops numbered about 300 persons.
Through a series of leases and mergers, the railroad was leased to Richmond & Danville Railroad (1871), working as part of the Pennsylvania Railroad, and in 1893, the North Carolina Railroad was folded into the Southern Railway system. Following the leasing of the railroad to Richmond & Danville, many of the railroad jobs transferred to Richmond and Manchester. With the railroad shops no longer operated there, the citizens of Company Shops decided a new name was needed. In February 1887, a contest was held to decide a name, and one person submitted the name “Burlington” after seeing it on a passing train. An appointed committee for the town selected the name, and the name was officially changed through North Carolina State Legislature.
Around the turn of the century, E. M. Holt established small textile operations along the Haw River and Great Alamance Creek. In 1908, E. M. Holt built the first cotton mill in the South. From the establishment of this single factory, Alamance County grew to eventually operate 30 cotton mills and 10 to 15 yarn manufacturing plants employing 15,000 people. Eventually, the early textile venture of E. M. Holt became known all over the world as Burlington Industries, and is now headquartered in nearby Greensboro. Throughout this period, Burlington became a prosperous and vibrant little city filled with schools, churches, newspapers, telegraph and telephone lines, roads and a streetcar line—all in keeping with the latest “modern progress” of the times.
Though textiles continued to dominate the local economy well into the 1970s, the people of Burlington knew they could not survive with only one industry. The country’s involvement in World War II brought important local economic changes. In 1942, the federal government purchased and leased a 22-acre (8.9 ha) site to Fairchild Aircraft Corporation for the construction of test aircraft. After two years of production, the site was leased to Firestone Tire Company for the Army’s tank rebuilding program. At the close of the war, the federal government chose not to leave, but to utilize the property for government contract business. This decision would bring Western Electric to town along with new employees from around the country. Their contracts ensured Burlington’s participation during the Cold War manufacturing and testing of emerging defense technologies. Four decades later (1991), however, the doors to Western Electric (then AT&T Federal Systems Division) were locked, and another chapter of Burlington’s history was over.
During this century-and-a-half of economic change, Burlington grew, adapted and prospered. Originally the center of commerce for Company Shops, the downtown area still serves as the heart of today’s community with financial services, government services, an expanded library, small shops, eateries and a restored theater. Downtown has also returned to its status as a major employment center, becoming the home to Laboratory Corporation of America, one of the world’s largest biomedical testing firms and Burlington/Alamance County’s largest employer.
The Alamance Hotel, Allen House, Atlantic Bank and Trust Company Building, Beverly Hills Historic District, Downtown Burlington Historic District, East Davis Street Historic District, Efird Building, First Baptist Church, First Christian Church of Burlington, Polly Fogleman House, Holt-Frost House, Horner Houses, Lakeside Mills Historic District, McCray School, Menagerie Carousel, Moore-Holt-White House, South Broad-East Fifth Streets Historic District, Southern Railway Passenger Station, St. Athanasius Episcopal Church and Parish House and the Church of the Holy Comforter, Stagg House, Sunny Side, US Post Office, West Davis Street-Fountain Place Historic District, and Windsor Cotton Mills Office are listed on the National Register of Historic Places.
Located in the Piedmont region of North Carolina, Burlington is characterized as having mostly flat land with a few rolling hills.
According to the United States Census Bureau, the city has a total area of 25.4 square miles (65.7 km), of which 25.2 square miles (65.2 km) is land and 0.19 square miles (0.5 km), or 0.82%, is water.
The climate in this area is characterized by relatively high temperatures and evenly distributed precipitation throughout the year. According to the Köppen Climate Classification system, Burlington has a Humid subtropical climate, abbreviated “Cfa” on climate maps.
There are a variety of parks that can be found in Burlington, including Joe Davidson Park and the Burlington City Park. Upon visiting these parks one can find a variety of things for various activities, such as baseball fields, basketball courts, soccer fields, playgrounds, disc golf and tennis courts.
The Alamance County Recreation and Parks Commission is composed of seven citizen volunteers and one representative from both the Alamance-Burlington Board of Education and the Alamance County Board of Commissioners. ACRPD Mission Statement: The Alamance County Recreation and Parks Department will provide parks, trails and programs that inspire visitors and welcome all participants.
The Alamance County Recreation and Parks Department manages parks and community centers at the following locations:
Alamance County offers many hiking and paddle opportunities including the Haw River Trail and the NC Mountains-to-Sea Trail. The Alamance County Recreation and Parks Department manages accesses to the Haw River Paddle and Hiking Trail at the following locations:
The Burlington Sock Puppets, members of the Appalachian League, a wood-bat collegiate summer league, play their home games at Burlington Athletic Stadium in Fairchild Park. They were previously known as the Burlington Royals from 2007 to 2020. The Royals were rebranded as the Sock Puppets following the contraction and reorganization of minor league baseball prior to the 2021 season. 2021 was the inaugural season for the revamped Appalachian League and the Sock Puppets. Prior to being known as the Royals, the team was also known as the Burlington Indians from 1986 to 2006. Several current and former MLB players began their careers in Burlington, including Jim Thome, CC Sabathia, Manny Ramirez, and Bartolo Colón
The city of Burlington also operates the nearby Indian Valley Municipal Golf Course.
The flagship of the Burlington Parks System, City Park offers more than 75 acres of activities for the entire family. It serves as the home of an amusement area consisting of a carousel, miniature train, boat and car ride, playground, amphitheater, baseball field, picnic shelters, and walking trails. A fully restored Dentzel Carousel is the highlight of the amusement area. As part of the National Historical Register, the carousel attracts thousands of visitors yearly. The Burlington Carousel Festival, is held each September in the park, except for 2018 when it was cancelled due to adverse weather conditions associated with Hurricane Florence. Throughout the spring and summer the park comes alive with an Easter egg hunt, a concert series, and baseball and softball tournaments. The park is located one mile from Downtown Burlington on South Church Street.
As of the 2020 United States census, there were 57,303 people, 22,009 households, and 12,978 families residing in the city.
As of the census of 2010, there were 49,963 people, 20,632 households, and 12,679 families residing in the city. The population density was 1,967.0 inhabitants per square mile (759.5/km). There were 23,414 housing units at an average density of 921.8 per square mile (355.9/km). The racial makeup of the city was 57.6% White, 28% African American, 0.7% Native American, 2.1% Asian, 0.1% Pacific Islander, 9.2% from other races, and 2.4% from two or more races. Hispanic or Latino of any race were 16% of the population.
There were 20,632 households, out of which 28.1% had children under the age of 18 living with them, 38.9% were married couples living together, 17.5% had a female householder with no husband present, and 38.5% were non-families. 33% of all households were made up of individuals, and 13.1% had someone living alone who was 65 years of age or older. The average household size was 2.38 and the average family size was 3.01.
In the city, the population was spread out, with 26.6% under the age of 20, 6.5% from 20 to 24, 26.1% from 25 to 44, 25.2% from 45 to 64, and 15.7% who were 65 years of age or older. The average age was 38.3 years.
The median income for a household in the city was $42,097, and the median income for a family was $49,797. The per capita income for the city was $23,465. About 15.9% of families and 19.6% of the population were below the poverty line, including 34.9% of those under age 18 and 10.2% of those age 65 or over.
The local school system is known as the Alamance-Burlington School System, which was created by a merger between the Alamance County School System and the Burlington City School System in 1996.
Alamance Community College (part of the public North Carolina Community College System) has campuses in Burlington and nearby Graham, offering multiple academic programs and specialized career training. Elon University (a private 4-year university) is in nearby Elon. Additionally, a number of colleges and universities are a short drive away in Greensboro.
Amtrak’s Piedmont train connects Burlington to Raleigh, Durham, Charlotte, Greensboro, and other points in central North Carolina. The Carolinian train continues to New York with intermediate stops including Richmond, Washington, Baltimore, and Philadelphia. The Amtrak station is situated at 101 North Main Street.
Burlington opened its first public transit service, Link Transit, on June 6, 2016. As of September 21, 2017, more than 100,000 people have used the service. In addition, transportation services are available to its residents through the Alamance County Transportation Authority. Locals can also ride the BioBus from nearby Elon University.
Burlington is about 35 miles from the Piedmont Triad International Airport in Greensboro and about 48 miles from Raleigh-Durham International Airport in Morrisville. In addition Burlington is served by both Interstate 40, Interstate 85 and US 70.
The city’s only indoor mall, Holly Hill Mall, is located at the intersection of Huffman Mill Road and Church Street (US 70). An outdoor mall, Alamance Crossing, opened in 2007 at Interstate 40/85 and University Drive. Most shopping, restaurants and services can be found on Huffman Mill Road and Church Street (US 70). Just off I-85/40 at Exit 145 is North Carolina’s original outlet mall, the Burlington Outlet Village (formerly known as the BMOC).
Burlington has two sister cities, as designated by Sister Cities International:
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.